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Carguy85

You want “non medical” advice regarding what activities to do or not do with consideration to your health.... got it.

Carguy85

I’m on my 4th tundra

. I like tried and true “old” technology. Yes sequoias are very tight in most spots...very wide with big doors...It’s a little bit of a joke with the wife...”doesnt anywhere have normal size parking spots?!”

Carguy85

Drive both. Get whichever you prefer. Sure the sequoia has the advantage with weight and height as well as towing but with obvious tradeoff in mpg. I’ve been in/driven both and own a 2017 sequoia...wife and kids have been giving the “minivan” a hard NO for quite some time. I can’t say I totally disa...

Carguy85

$5-15k is couch/pocket change when it comes to homes. If that somehow enables them to get in to a home that they wouldn’t have been able to get otherwise then they must be at the top of what the bank says they can borrow and most certainly can’t afford it. Give them $15k as a gift but not if it is a...

Carguy85

Keep one of the Cherokees and buy an unlimited wrangler at some point...nothing wrong with either to haul around babies. Sure, its not as ideal as a minivan but certainly better than a Corvette or Miata. Just do yourself a favor and don’t look for happiness in store bought items... any poor schmuck ...

Carguy85

OP, planes and especially helicopters are extremely efficient at burning cash. Certainly much more so than boats especially given that they have more significant fixed costs associated with them wether or not you use them. Small business jets can burn 150-200 gallons per hour so if you are by chance...

Carguy85

From what I gather it’s a big load of meaningless marketing BS that only benefits the financial advisor...they have to do what’s in your best interest...”it’s the law” right? My buddy’s now 80 year old mother in 2010 had well in excess of a million invested with such an individual in which she thoug...

Carguy85

Squirm, don’t you know moral posturing/virtue signaling is quite a popular trend these days.

Carguy85

I exchanged old/expired tanks out for brand new ones in the blue rhino cage at lowes (yes I hand picked them). I now fill these for less than half price elsewhere. No more unethical than the folks on here churning credit cards for rewards.

Carguy85

It comes down to what you value more...luxury or financial independence. Based on your income you can certainly afford it, but it will be a roadblock to your financial independence and can put severe pressure on your family if one or both of you lose your job. Our net worth is about $3,000,000 and ...

Carguy85

4-5 canopies in front of and around the high rise condo we’re staying at in orange beach today. Been to a lot of beaches and this is by far my favorite place to go.....less crowded, nicer people , much less traffic/4 lane main drags, less expensive... nicer sand/beach...not to mention the closest be...

Carguy85

Thank goodness the market is frequently at all time highs and has been doing so since inception... what you are probably focused on is a perceived blip. Historically the best time to put money in has been yesterday. I’d dump it all in and forget about it and find something else to worry/think about....

Carguy85

So is it ok to invest it all for long term in taxable account? Yes. https://earlyretirementnow.com/2016/05/05/emergency-fund/ https://i1.wp.com/earlyretirementnow.com/wp-content/uploads/2016/12/efffront-with-emergency-fund.png?resize=829%2C631&ssl=1 Interesting article and seems to be very true...

Carguy85

(7) We have been to both places, but will visit Las Vegas again in May and Tampa in June. Perhaps you should go in July and August to experience how hot each place can get. It would also be great to see if you are ok with the humidity and storms in Tampa...August appears to be their rainiest month....

Carguy85

We are recently retired. We do not consider our paid off home as part of our retirement portfolio. However, we do consider the equity as a last resort long term care policy. If one spouse needs long term care, and our portfolio can't afford it, the other spouse will sell the house, live in somethin...

Carguy85

OP, You could buy a new snow blower every year for the money you are currently spending. I agree, it’s good exercise. No special maintenance is required. Oil change annually. I started doing my 1600 foot driveway the winter after I retired. There has been a learning curve but again I’m retired so I...

Carguy85

Several members of the facilities crew at my office are retired and formerly quite successful men; the three I know well were an aeronautics engineer, chief of police for a nearby city, and a CPA. Interesting....this is the type of thing I was thinking...a corporation, school, or city/town where th...

Carguy85

I had read on some FIRE blogs and believed that once I hit FI the stress of work would subside, at least somewhat, and I would actually enjoy my job a bit more since I didn’t HAVE to do it anymore. The exact opposite happened when I hit FI. I grew more intolerant of the bad parts of my job because ...

Carguy85

Have thought this but didn’t know what it was called... 8 years of school/training and 10 years in to my profession and I am more and more thinking how nice it would be to put in my earbuds and get on a mower. I mowed for many years growing up as a farm hand and while in school and even at the begin...

Carguy85

As said above any realtor that is good/busy is going to quickly move on from such stipulations and spare themselves the headache and aggravation of a “difficult” seller. Honestly, what would you do if you were in their shoes? I’d be interested to know how this works out.

Carguy85

How much debt one has would be a big factor would it not? Having fixed income to “counteract” fixed cost.

Carguy85

watchnerd wrote: ↑Sat Mar 13, 2021 9:07 am
guitarguy wrote: ↑Sat Mar 13, 2021 9:00 am What’s a drop in the bucket?
<5%

A common figure that people feel comfortable allocating to "play money".

Maybe what an account fluctuates on a given day as bare minimum?

Carguy85

Tell them you must get a better deal because you don’t want to insult your intelligence by taking “ 0% “. Anyone with any sense knows nothing in this world is free. I’d walk otherwise...their job is to make you feel like you are doing something smart...let them make you feel smart for knowing better...

Carguy85

For those of you considering pulling the plug on work due to burnout and overwork - is anyone concerned about whether this is just a temporary thing because of pandemic-induced mental stress? I feel the same as many of the posters in this thread - well paid, but also FI and just completely burned o...

Carguy85

Simplify. There are 'essential' proteins and 'essential' fats, i.e., required for life. There are no 'essential' carbohydrates, but they sure do taste good. Based on your body weight, limit carbs to about 50-100 daily. Carbohydrates need to be sourced from the right vegetables, no grains, no potato...

Carguy85

It depends of course on your situation. In my experience the great advantage of home ownership is when one buys a modest house then pays it off relatively quickly and lives there for the rest of their life. In these cases, a person is eliminating their greatest expense and the long term value of th...

Carguy85

It seems that the answer is somewhere in the middle as with most things. Buying way more house than you can truly afford (yes banks will gladly make you house poor and far to many seem to do this) and being subject to ever increasing rent and other negatives that come with being a renter are both no...

Carguy85

Thinking of doing the same grind 5 years from now til 40 is a bit tough...seems so far away. Maybe in 2 I’ll go down to 3 days. Maybe we’re just a spoiled millennials...who says that people are supposed to wake up and throughly love their jobs anyway? Is the average assembly line worker jumping for ...

Carguy85

You are in a good position to make your own rules. If your employer and you can’t agree on what you will do then no sweat... you part ways. Maybe not totally FI but certainly in a much better position than many at 35. If you are good at what you do and dependable your employer would be silly to lose...

Carguy85

French press at least a tablespoon per 8oz.... much different than out of a “coffee maker”...pace yourself if you aren’t used to it...as a side note I think Folgers tastes better than Starbucks pike. Pike smells like cigarettes.

Carguy85

“There seems to be some perverse human characteristic that likes to make easy things difficult.” -Warren Buffett Good luck. If you are lucky, you will get what you pay for. So many problems this could cause vs focusing on living a more simple life...at least outside of work. Maybe just my distorted ...

Carguy85

Awesome! .... now don’t forget to pay your property taxes! I’ve unfortunately done that twice. I get a notification for spring and fall taxes early in the year and that’s it so super easy to forget to pay fall taxes! I think I’m just going to pay it all at once in the spring.

Carguy85

Smith and Wesson Magnum safety glasses . Gold mirror is my preferred lens color. I have super sensitive eyes and bridge of the nose and these do very well...buy in quantity and save some money

Carguy85

Depressing Lexx! Soo glad we sold. Also glad that I’m to the point that I don’t have to put up with anything/anyone I don’t want to deal with. After factoring in lab fees and chair time, the amount that is allowed by some in network on such procedures is laughable if not down right infuriating. Ther...

Carguy85

Graying and balding before my time..I think it’s a millennial thing ... have had a high and tight as long as I can remember. Been cutting my own hair for 15 years or so and have been over time cutting it shorter and shorter due to graying/balding. Now if it’s any longer than no guard on the sides (w...

Carguy85

Kudos to you for showing grace and helping one out that may be struggling. You can certainly be thankful that you are not in his shoes and “help out” if you don’t feel like you are being played a fool. Otherwise, if there is less demand for the service (such as plowing) for whatever reason then that...

Carguy85

Wow!..just about everything they said was at the least bizarre if not a red flag... time fore a plow.

Carguy85

There are a number of folks who swear that they don’t spend one dime more per year when they get rewarded for for spending, not to mention with one of the most frictionless ways of spending possible. I say whatever you think is best for you go for it. For us it’s a no rewards/frills visa debit card ...

Carguy85

Continuing to do what you’ve been doing is probably the middle ground...one extreme would be taking everything after tax advantaged contributions and putting it towards the house... the other extreme would be refinancing for 15or 30 years and investing as much as possible in non- tax advantaged brok...

Carguy85

ensign wrote: ↑Wed Feb 24, 2021 10:02 pm
drgenefish wrote: ↑Wed Feb 24, 2021 4:14 pm imo he's a genius and there's a lot of nuance beyond just feeling safer with the mortgage being paid off.
Ramsey is many things. Genius ain’t one of them.

Ramsey is worth nearly half a billion dollars. Maybe not a “genius” but certainly no dummy.

Carguy85

I ran the numbers the other day after getting something in the mail... 500k at 2% after tax deduction for 15 years is the figure I ran ballpark calculations with. If I were to keep $100k in cash (as somewhat of a safety net) and invest the rest with an average return of 10% ...(8% subtracting the mo...

Carguy85

Many reasons NO....If this isn’t a trolling thread, I feel sorry for the situation because I’m pretty sure your mind is already made up...not because of good financial sense.

Carguy85

I even think it’s rude/awkward to outright ask what someone does for a living let alone how much they are worth... so many have no shame...lol

Carguy85

This is why I never bother with these extended warranties, although I understand op is under the original factory warranty. Being without a washer dryer, refrigerator, freezer, dishwasher etc for months is more costly to us in wasted time and frustration than simply buying a replacement unit when o...

Carguy85

I’m halfway through the Century of the Self 4 part documentary on YouTube...very interesting....I’ve been tricked...we all have.

Carguy85

I'm curious for the minimalists on this thread, do you translate that simplicity into your finances, and if so, how? There are always discussions about people opening accounts to chase bonuses or having multiple credit cards to optimize rewards, etc. which seems to be the polar opposite of simplici...

Carguy85

Look up George Carlin’s bit on “Stuff” for a good laugh. Lots of colorful language. Soooo true!! Lol btw that is extremely mild language wise for a Carlin bit! Strangely enough as our net worth has increased to the point of teetering on FI, I have an ever stronger desire to minimize the clutter. I’...

Carguy85

Well I learned what a SPAC is and from the looks of it... you got extremely lucky not to underperform the market. Gambling to many is a thrill/hobby... I sort of get it. I’d say don’t burn your bridges/become unmarketable until you get it out of your system... easy come easy go...somewhat surprising...

Carguy85

Tax hit on a taxable account? You are already paying whatever tax you pay if you blow it on distractions or invest. Capitol gains is probably a much lower tax rate than ordinary income for many on this forum. I think the average retired couple lives on somewhere around $75k a year...0% tax on gains ...

Carguy85

100% Quit tomorrow. You have earned it. Absolutely no reason to not enjoy whatever it is you do. Take advantage of what so few can. Think about the opposite end of the spectrum... both parents that MUST work to stay afloat. I would think this puts the kids at a big disadvantage. As long as you don’t...

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